The U.K.'s referendum vote to leave the European Union has thrown cold water on London's reputation as a friendly venue for innovation in payments and other industries.

The recent White House fintech summit was helpful in exposing companies to regulators, and vice versa, but we need to strengthen the lines of communications even more.

Digital tools improve a bank's traditional sales process, but relationship-based banking is still a huge factor in winning over millennial customers.

The Office of the Comptroller of the Currency is seeking to create a regulatory sandbox that it hopes will allow fintechs and banks to experiment on innovations to the financial system.

Contrary to doom-and-gloom attitudes of some about banks' ability to compete for millennials' business, the industry will build on its history of innovation to meet the technology needs of future customers.

Robard Williams, senior vice president with Moody's, discusses how the explosion of fintech companies – 4,000 by his firm's count – will help banks adapt to a digital world.

Community banks and credit unions have banded together to use their combined bargaining power to wrest better terms from what they regard as an oligopoly of core processing vendors.

The OCC might also open up an outpost "where the tech firms are," the Comptroller of the Currency said Tuesday.

A growing number of marketplace lenders and other fintech companies say they no longer use FICO scores or are using them in a limited way. The open question is whether their alternative methods will be more effective.

Nonbanks now set the digital banking experience bar, but in less than a decade large banks will have swallowed them up and will have become digital financial superstores.

Fintech companies are asking a federal regulator to create a specialized charter that would allow them to comply with federal rules instead of facing a state-by-state licensing framework.

With its very survival at stake, the San Francisco-based marketplace lender is balancing key priorities that are sometimes in conflict with each other.

Throw Cathy Bessant of Bank of America a question about a hot tech topic, and she's got answers. Blockchain? She loves it but is still waiting for its use case. Patents? The law is making us be aggressive. Swift? A call to action. And that's just the start.

Fintech firms and banks should collaborate on using alternative data sources to qualify more borrowers for small-dollar loans.

Embracing technology that gives innovators access to their platforms will provide banks with the upgrade they sorely need.

Well-established tech giants like Amazon and Google pose a more formidable threat to banks than the thousands of startups populating the fintech market.

How Eastern Bank pulled off something few community banks have: launching a digital lending product that the 197-year-old mutual dreamed up in its innovation lab.

The Independent Community Bankers of America said that it agrees with the Office of the Comptroller of the Currency’s support for “responsible innovation” in fintech but that it worries marketplace lenders have a “regulatory advantage.”

Well before the mobile payments explosion, incumbents were already focused on how to respond to nonbanks "piggybacking" on banks' payments infrastructure. As the consultant behind a 1994 banking industry report on the threat put it, "there is no time for delay."

During the ascension of marketplace lending, banks responded to the competitive threat in several different ways. Now some banks are better positioned than others to take advantage of the online sector's recent woes.